4Front Credit Union in Michigan vs the state
6.7%Denial rate-11.83 pts vs state
10.0%Decision denial rate-12.61 pts vs state
59.0%Origination rate-0.89 pts vs state
7.50%Median rate+0.75 pts vs state
0.55Rate spread (pts)+0.15 pts vs state
$75kMedian applicant income
600Loans originated
68Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 907 | 502 | 6.8% | 8.38% | #78 |
| 2025 | 1,017 | 600 | 6.7% | 7.50% | #75 |
What 4Front Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most 4Front Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Grand Traverse County | 196 | 113 | 17 | 8.7% |
| Antrim County | 164 | 108 | 6 | 3.7% |
| Charlevoix County | 135 | 77 | 6 | 4.4% |
| Emmet County | 102 | 70 | 2 | 2.0% |
| Kalkaska County | 71 | 36 | 8 | 11.3% |
| Chippewa County | 59 | 42 | 1 | 1.7% |
| Wexford County | 50 | 23 | 7 | 14.0% |
| Benzie County | 35 | 21 | 2 | 5.7% |
| Manistee County | 35 | 20 | 5 | 14.3% |
| Leelanau County | 25 | 15 | 1 | 4.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 1,017 applications in 2025, of which 600 were originated and 68 denied.
6.7% of all applications, or 10.0% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans 4Front Credit Union originated in Michigan in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are 4Front Credit Union's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology